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Comment by lax4ever | Hacker News Reader

Do you actually pay that much a year in insurance premiums? I don't live in CA, but I sure don't and my health coverage is pretty good. Keep in mind, this is also just the insurance premium, there's no talk of what co-pays or deductibles would be.

In addition, your employer now has to pay more based on their gross receipts and if you make more than 150k a year you are paying even more.

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Keep in mind as well that your employer probably pays a significant chunk of your insurance premiums right now, usually around 3/4 of the full costs of providing you insurance. This is what tends to bite people when they need COBRA coverage or other gap coverage when changing jobs, etc.

I live in CA and according to my W2 box 12 DD, my cost is much more than this. Sure, maybe under this tax proposal my personal expense would go up but judging by my W2 and a quick scan of ACA estimated costs for a 22yo, the aggregate cost of this is much lower than what we're collectively paying today.

$2500/month here (silicon valley) for blue shield PPO (company pays a small part of that, I pay directly most of it). So that's 30K/year just in the premiums plus of course a lot out of pocket since insurance fights against paying for so many services.

I assume that’s paying for more than yourself. Also - that’s really high overall…

I mean - plans my work offers (which aren’t even the best) are like $500/month out of pocket for the entire family - and that’s for really good coverage with no deductibles and low copays. The plans they offer aren’t even the best I’ve gotten…

That is insane, I pay right around $100/mo for myself, my spouse and 2 year old. My employer pays less than $1000/mo as their part. Our health insurance is pretty damn good.

I mean, my employer technically sponsors part of mine, but to cover my family I'm still paying roughly $10K each year in premiums.

My employer sponsors some of mine as well, but even if they weren't my premiums are still around half of what they listed in the article ($12.5k I think is listed in the article if I read it right). This is with coverage that has a minimal deductible and that includes great mental health coverage amongst other things.

Also not CA, but I pay almost $3,600 a year while my employer pays almost $10,000. So $13,600 for just myself. My wife and son are on her plan since it works out to be cheaper that way.

We have good plans too but still have our deductibles which, if I remember right, are around $1,000.

Most people make far less than 150k in California, though you wouldn't know it if you're steeped in tech circles, or over-focused on SF. 150k was above 85%ile of returns in CA in 2018. (90%ile 179k, 75%ile 97k, 50%ile 47k) And this is in returns, so each MFJ/household can statistically replace two lower earners with one higher-earning return.

Uh, yeah. My business budgets out 20k/year for insurance premiums on the employer side per employee. This might be an old shorthand, but it's what we use in our models. Some employees pay extra out of pocket for added dependents.

If you get health insurance from the federal marketplace, and get no help offsetting the cost, $14K/year for a couple is typical. Don’t ask me how I know :’(

I have the cheapest insurance plan offered at my company. The deductible is near $10k and it costs more than my mortgage. For a family of 4.

I pay $1.3k/month for myself + husband in MD, both early 30s.

OMG!

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